Minifleet

Digitally Traded

Introducing Aviva Minifleet cover

Our Minifleet product is designed for your clients with between 1 and 20 vehicles that are used by their business, all under one policy with one renewal date.

If your client’s fleet is more than 20 vehicles, you can take a look at our Motor Fleet product.

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Transcript for video Minifleet 2026

Ewen Low - Senior SME Digital Trading Underwriter: Our Minifleet product was one of our first SME products to be launched on the digital platform. It's seen a lot of innovation since it was first launched, a lot of expansion to the parameters of what we can actually accept.

Lauren Ballingall – SME Property & Liability Portfolio Lead: We're excited that we've enhanced the capability of our Minifleet product to be able to write 1 to 20 vehicles at new business. So, this allows you to write more business digitally and that's on the back of the broker feedback that we've had.

Ewen Low: They can be single car, right up to fleets of vans, goods vehicles, agricultural vehicles, special types vehicles. Now that you can place up to 20 vehicles on the Minifleet product, it means that there's that flexibility to be able to place the larger risks that previously would have had to be placed off-line. They can now be immediately placed through the digital proposition, with the immediate documentation having a quicker answer and quicker documentation for the customer.

You have full support of an underwriting team at any stage of that quotation journey. We know that you having the access to the decision makers who are able to make that quick decision and get terms out to you as quickly as possible, is very important. We have underwriters who are available to give you advice on not just the product itself and the risk, but on how to key that information into the system. And we are there to trade with you and work with you, to try and win that business.

Why do clients need Minifleet cover?

Laws in the UK state that all vehicles must have valid insurance to be driven on the road and Third-Party insurance is the minimum cover that's required.
Insurance offers financial protection if vehicles are involved in an accident that damages another vehicle or property, or injures someone.
If a business uses more than one vehicle, taking out individual cover for each one, could become expensive and time consuming. Minifleet cover is designed to cover a number of different vehicles all on one policy.

Why choose Aviva's Minifleet cover?

Our Minifleet policy is for between 1 and 20 vehicles owned and used by a business. Single vehicle risks will be offered a No Claim Discount (NCD) rated quotation, 2 vehicle risks can choose either NCD or fleet rating and 3+ will be offered a fleet rated quotation. Customers who begin a policy on NCD rating but grow their schedule size will move over to fleet rating at the appropriate time without the need for a policy reissue. Carriage of Goods for Hire or Reward use is also available.

We offer three levels of vehicle cover

Comprehensive - this is the highest level of cover your client can have and It covers their vehicle and any others involved in an accident
Third-Party, Fire and Theft - this covers your client for the costs of injury or damage caused to other people or their property, as well as repairs or replacement if their vehicle is stolen or damaged by fire
Third-Party Only - this is the minimum your client can legally have and it covers the costs of injury or damage caused to other people or their property

And we cover a wide range of vehicles:

Private Cars
Motorcycles
Trucks
Vans
Special Types
Agricultural

Our Minifleet product provides

Third-Party Property Damage up to £20 million for cars and motorcycles and up to £5 million for all other vehicle types
Legal Services and Advice
Guarantees on repair from approved Aviva repairers for three years (whilst owned, wear and tear isn't covered and the vehicle must be kept roadworthy)
Where entitled, Private car or goods carrying vehicles of up to 7.5T as a courtesy vehicle - Class A type car of Class V1 van

Did you know?

Policyholders can also access a range of legal help and advice through our Aviva Businesslaw website, powered by Farillio. Your clients can get access to business and legal guides, along with help for everything from branding to tax planning.

Get a quote

You can get a quote for Minifleet and buy online through Fast Trade.

Get a quote through Fast Trade

Claims

Our dedicated claims service is there whenever your client needs us – they can call our 24/7 claims line or email us anytime.

Your client will be allocated a claims handler, who will support them throughout the entire process, but they’ll also have access to our panel of solicitors working in litigation and claims investigation.

Our defence excellence team will be on hand to help protect your clients against fraudulent claims and also give advice on best practice procedures and legislation that can help companies enhance their risk management strategies.

Explore our claims service